UHC Silver Value On Exchange
Starting at
$688
/month before subsidy
UHC Silver Value On Exchange is a 2026 Silver HMO health insurance plan from Issuer 65428, sold on the ACA Marketplace in New Mexico under plan ID 65428NM0020001. The monthly premium starts at $688 before subsidies, based on a 40-year-old in the plan's lowest-cost rating area. The individual medical deductible is $4,750 ($4,750 for a family), and the individual out-of-pocket maximum is $10,000 ($10,000 for a family). After the deductible, coinsurance is 40% for covered in-network care. The plan is not HSA-eligible.
- Plan ID
- 65428NM0020001
- Plan year
- 2026
- State
- New Mexico
- Metal level
- Silver
- Plan type
- HMO
- HSA-eligible
- No
Individual Deductible
$4,750
Family: $4,750
Out-of-Pocket Max
$10,000
Family: $10,000
Coinsurance
40%
You pay after deductible
Network Type
HMO
NMN011
Medical Services
Prescription Drugs
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This Silver HMO plan offers a balanced approach between monthly premiums and out-of-pocket costs, making it a popular choice for many families.
Consider this plan if you:
- Visit the doctor a few times per year
- Take regular prescription medications
- Want moderate protection against high medical bills
- May qualify for Cost-Sharing Reductions (CSR) to lower deductibles
This summary is generated based on plan attributes for educational purposes only.
If you max out this year
$1,521/month
Annual Premium
$8,256
OOP Maximum
$10,000
💡 What this means:
With a $4,750 deductible, you pay 100% of costs until you've spent that much. After that, you pay 40% (coinsurance) until you hit $10,000 total. Then insurance covers everything else for the year.
More plans from Issuer 65428 in New Mexico
Frequently asked questions about UHC Silver Value On Exchange
How much does UHC Silver Value On Exchange cost per month?
UHC Silver Value On Exchange from Issuer 65428 starts at $688 per month before any subsidy in New Mexico. Most Marketplace enrollees qualify for a premium tax credit that lowers what they actually pay — estimate your subsidy to see your net premium.
What is the deductible for UHC Silver Value On Exchange?
The individual medical deductible is $4,750, and the family deductible is $4,750. You pay for covered care out of pocket until you meet the deductible, after which the plan shares costs with you.
What is the out-of-pocket maximum for UHC Silver Value On Exchange?
The most you would pay in a year for covered in-network care is $10,000 for an individual and $10,000 for a family. Once you reach it, the plan pays 100% of covered services for the rest of the year.
Is UHC Silver Value On Exchange HSA-eligible?
No. UHC Silver Value On Exchange is not classified as an HSA-eligible high-deductible health plan, so it cannot be paired with a Health Savings Account.
What type of network does UHC Silver Value On Exchange use?
UHC Silver Value On Exchange is a HMO plan. HMO plans generally require you to use in-network providers and to get a referral to see a specialist, in exchange for lower costs.
Understand what you'd actually pay
- 2026 Federal Poverty Level (FPL) chart
The income table behind subsidy and Medicaid eligibility
- How ACA subsidies work
Premium tax credits and who qualifies
- The 2026 subsidy cliff
Why income near 400% FPL matters again this year
Important Notice
Plan details and costs shown are estimates for educational purposes only. Actual costs, coverage, and availability may vary. Always verify plan details and enroll through official channels at HealthCare.gov or your state marketplace.